When comparing Mint Bills & Money vs Wally, the Slant community recommends Wally for most people. In the question“What are the best personal finance tracker apps for iPhone?” Wally is ranked 3rd while Mint Bills & Money is ranked 5th. The most important reason people chose Wally is:
The overall design of the app is clean and simple, almost minimal. It makes the app pleasing to use due to how easily one can tell what parts of the app do what due to the clean and simple design. the use of solid colors to differentiate section of the app makes it easy to keep track of what buttons do what.
Ranked in these QuestionsQuestion Ranking
Pros
Pro Ability to pay bills all from one place
This application gains more than the read only access of most finance tracking applications with the ability to pay bills right from the application. This may be a security concern for some people but the ability to pay bills all from one place is extremely convenient if your financial institution supports it.
Pro Calendar view for bills
The calendar view is a fantastic feature to overview all incoming bills due dates and plan the month.
Pro Free to use and pay bills without advertisements
It is free to pay bills with Check if paying from a bank account or debit card. Credit cards add a 4% service fee. If an express bill payment is needed, the cost is $7.
Pro All accounts and bills in one place
Being able to view all accounts and bills in one place is extremely convenient for planning a budget or just managing finances.
Pro Notifications for upcoming bills, nearing credit limits, and low funds
Mint Bills & Money will send a notification for upcoming bills, approaching credit limits, or low funds.
Pro Android Wear support
Check is one of the first finance applications to offer Android Wear support with which users can take action on Check alerts and notifications.
Pro Secure
Mint Bills uses bank level security as well as other security features such as PIN-locking and data wiping. They are also monitored by outside companies such as Norton and TRUSTe.
Pro Extensive list of usable accounts
Checks auto bill paying feature is comparable with a very large list of accounts. It can even manage mortgages and utilities.
Pro Clean pleasing interface
The overall design of the app is clean and simple, almost minimal. It makes the app pleasing to use due to how easily one can tell what parts of the app do what due to the clean and simple design. the use of solid colors to differentiate section of the app makes it easy to keep track of what buttons do what.
Pro Convenient local data with no need to link an account online
Many people don't like connecting their accounts to an app, especially bank accounts, luckily Wally does not require one to link their bank to the app in order to track funds. All one has to do is input their starting total and then add expenditures as they purchase them. This is an easy way to track spending while not having to give up ones data.
Cons
Con Delay before bill is paid
Check takes two day to process the bill payment before it is paid. Check should help you stay on top of your bills so that you pay them early but if you don't you can make an express payment that pays in about 24 hours. Although the express payment costs $7 so it is best not to procrastinate.
Con Financial coaching features are not very useful
The visuals and analytics in Check are not as useful as they are in applications such as Mint. There is no way to set up a budget and there are not many ways to better optimize your spending. Check is best at what it was designed to do from the beginning: bill paying.
Con Support for only the US
Check currently only offers support for the United States.
Con Difficult to navigate
The interface can be confusing and expected functions of buttons are not always the case. While it can be gotten used to, it takes much time and really shouldn't in the first place.
Con Limited use while offline
Whether it is due to a DRM scheme or just bad design in the app only has limited functionality when not connected to the internet. This inhibits normal use as no one has a 24/7 internet connection on a mobile device.
Con Somewhat buggy
Things like connecting to foursquare are glitchy and troublesome, there is also issue with showing locations and just overall slowness to load.
